Purchase A New Home!

Let Us Help You Buy Your New Home!

Purchasing a home is a very exciting time, and being well prepared will help you make better decisions. Take this opportunity to learn more about home buying and the mortgage process. Below and throughout this site you will find information that will help you with the purchase of your new home.

Am I ready to buy?

Buying a home offers many advantages, one of the most significant being that it allows you to build equity (ownership) when you pay your mortgage each month. A common myth is that monthly mortgage payments are more expensive than rent. But, in many cases, mortgage payments can be even less than rent. When considering home ownership for the first time, you need to decide whether buying makes financial and practical sense for you right now or if you are better off renting. Consider both the advantages and disadvantages to renting as well as buying, and weigh the pros and cons for your situation.

How much house can I afford?

The first step toward finding the right home is to quickly compute your purchasing power and determine how much you can afford to pay each month. This saves you time by allowing you to focus on homes in your price range. In addition, in the planning stage, you should consider both the up-front and ongoing costs associated with purchasing a home.

Down payment: Typically ranges from 3-30% of the cost of the house. The more you can put down, the greater equity you will have in your home and the lower your monthly payment will be. For down payments, less than 20% you may also need to pay mortgage insurance.

About Us

Happy Customers

Ramon is a God send! Being on active duty many would take advantage. However, Ramon was honest and forthright from beginning to end. Amazingly great to work with and answered every single concern we had. Very grateful to have had the opportunity to work with him!!

GabrielEvans (Menifee, CA) on Aug 24, 2017 6:00 AM

He definitely went above and beyond in order to get me financed for my new house and also completed a refinance on an existing property. I highly recommend him for your financial needs.

tcan420 (Wildomar, CA) on Jul 28, 2017 4:00 AM

My refi with Ramon went very smoothly. He did everything possible for me not to over pay for my refi. I have refinanced several times before, and this was the most smooth transaction I have encountered. Saved me time and money on my refi. I would highly recommend Ramon Sanchez.

annaniki2003 (Temecula, CA) on Jul 10, 2017 5:00 AM

Ramon was a true professional who was very attentive to our needs. He is extremely responsive and really knows his business. We purchased a great home and got a low interest rate. I would highly recommend him to family and friends and will be working exclusively with him in the future. Top-notch!

lmtaa (Winchester, CA) on Jun 22, 2017 4:00 AM

I am a small business owner and ramon worked hard to properly document my income so I could refi my house. I have a rental property that I will also be refinancing with Ramon. I have already recommended ramon and will continue to do so. Thanks Ramon!